17 Jan What You Need Know When Filing A Hail Damage Roof Claim
Posted at 07:52h
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by johnlitton
Insurance Claims for Roof Damage
Depending on what region of the country you reside, you may or may not be familiar with Roof Hail Damage which result in filing insurance claims. If you are, this articles is for your. If you’re aren’t – this article is for you. Either way, there will probably come a time when your roof / roofing will be damaged by large hail and high wind storms.
We have complied a list of what to do and what not to do when filing a claim with your insurance carrier in regards to storm damage on your property.
Think You Have Roof or Hail Damage?
First things first, contact a reputable Roofing Contractors in your area and have them come out to give you a free roof evaluation and see whether or not you have experienced significant hail or wind damage to your roof. A thorough inspection of your Roof Shingles is needed and if damage is found, a complete list of Roofing Materials will be needed in order to establish a complete estimate. No sense in filing a claim if you don’t have damage. When you call the roofer, make sure they do not charge you for this evaluation. Do you research on the roofing companies you call. Check reviews, local reviews and ratings, Angie’s List, Google reviews, etc.
If your roofer evaluates your home to see that there is extensive damage, then it’s time to call your insurance carrier and proceed with filing a claim. They will process the claim and pass it to their claims department at which point your claim will be assigned to an adjuster who will come and inspect your home himself. We always recommend having the roofing contractor there with the adjuster to discuss the findings instead of having to play phone tag back and forth.
Look and see how much your deductible is and try to have the contractor work it out so that is the max out of pocket expense you incur.
Food for thought —
Do know that the manufacturer’s warranty on items such as gutters, roofing and siding are typically voided if you experience hail damage and do not have the affected portions of your home repaired or replaced? This is why it is very important to have your home evaluated after such a storm.
You have hail damage, not what?
Beware of out-of-towners, aka storm chasers, who come to town after a big storms and start going door-to-door. You want a local, licensed roofer to handle your claim. Someone who can be there to honor the warranty or any issues that may occur.
Do not accept the insurance adjuster’s initial scope of loss if it does not fully outline the scope of work that your contractor has indicated needs to be addressed.
Should the insurance adjuster’s figures not align with the repair costs needed, work with your contractor to ensure all is accounted for before inception of work.
Many insurance companies have “preferred vendors.” You don’t have to use these folks. You are free to hire any roofing contractor you deem professional and trustworthy to handle your claim properly.
REEVES CONSTRUCTION, INC.
GENERAL CONTRACTOR
REEVES ROOF & GUTTERS
We Will Gladly Assist You With Filing Insurance Roofing Claims
Serving Georgia, the Carolinas and Eastern Tennessee
Toll Free: 866-592-3632
Serving to meet the needs of these great cities:
Greenville – Spartanburg
South Carolina: Greenville, Spartanburg, Union, Easley, Greer, Murrells Inlet, Charleston, Myrtle Beach
North Carolina: Charlotte, Waxhaw, Greenville, Rockville
Georgia: Atlanta Metro Area, Stockbridge, College Park, Columbus, Jonesboro, Macon
Eastern Tennessee: Nashville, Knoxville
